Bank Mandiri Optimizes Digital Services For MSME And Corporate Customers

Bank Mandiri (Photo: Doc. Antara)

JAKARTA PT Bank Mandiri (Persero) Tbk (BMRI) revealed that digitalization continues to be one of the main drivers of growth in the second quarter of 2025.

For information, Bank Mandiri posted a consolidated net profit of IDR 24.5 trillion in the first semester of 2025, down 7.7 percent on an annual basis (year-on-year/YoY) when compared to the same period in 2024 of IDR 26.55 trillion.

Bank Mandiri Finance & Strategy Director Novita Widya Anggraini said that until the end of June 2025, the Livin' by Mandiri application had reached 32.9 million users, an increase of 27 percent compared to the previous year (year-on-year / yoy).

Meanwhile, in terms of operations, the number of transactions carried out through Livin' reached 2.23 billion times, growing 26 percent (yoy), with a transaction value that exceeded IDR 2,097 trillion, an increase of 11 percent (yoy).

In addition to being a means of transaction, Livin' by Mandiri has now become a center for customer financial activities, including the process of opening a new account, which is now 91 percent digitally.

He explained that the integration of this service can also be seen from 87 percent of customer savings balances that have been connected to the application.

Meanwhile, the Livin' Merchant platform shows solid performance with the number of merchants reaching 2.8 million, up 35 percent (yoy) as of June 2025.

According to him, this growth strengthens the position of Livin' Merchant as a digital solution for business actors, especially the MSME sector, to expand market access and increase operational efficiency in a sustainable manner.

He conveyed that for corporate and industrial business customers, Bank Mandiri provides Kopra by Mandiri, a digital super platform that has recorded a transaction value of IDR 12,170 trillion, an increase of 22 percent (yoy), with a transaction frequency of 706 million times or a growth of 14 percent (yoy).

Novita conveyed that this achievement shows a significant acceleration, more than double the previous year, in line with Bank Mandiri's strategy to support the digitization of export-oriented productive sectors.

"With sustainable innovations in Livin', Livin' Merchant, and Kopra, Bank Mandiri is building a comprehensive digital ecosystem, so that banking services can be accessed more relevantly, easily, and adaptively to customer needs in all segments," he explained in his statement, Friday, September 19.

He said that this digital transformation contributed to the growth of commission-based income.

As for the second quarter of 2025, Livin' by Mandiri contributed 17 percent (yoy) of fee-based income growth, while Kopra made a contribution of IDR 1.15 trillion, reflecting the increasing role of digitalization in supporting Bank Mandiri's financial performance.

In line with the commitment to Environmental, Social, and Governance (ESG) principles, Bank Mandiri continues to strengthen its sustainable financing portfolio where until the end of the second quarter of 2025, Bank Mandiri's total sustainable financing was recorded at IDR 304.5 trillion, growing 9.6 percent (yoy).

Of this total, green financing contributed Rp157.5 trillion or grew 13.3 percent (yoy), while social financing reached Rp147 trillion, up 5.9 percent (yoy).

He explained that this commitment also received international recognition, namely the MSCI global rating agency (Morgan Stanley Capital International) increasing Bank Mandiri's ESG Rating from BBB in 2024 to AA in 2025, showing a significant increase in the company's sustainability practice.